Author Archives Daniel Crichlow

Agreed Value & Blanket Coverage

Daniel Crichlow – July 6, 2020

Have you ever seen the movie ‘Twins’ with Danny DeVito and Arnold Schwarzenegger? Just imagining those two as twins brings about a good laugh. But, it would be great in real life. If Danny needed something from the top shelf, his twin Arnold would be right there to help. If Arnold needed something from a […] Read More

Leasing a Car vs. Buying a Car

Daniel Crichlow – June 1, 2020

So your car is on its last leg, literally. It only has one good tire left, very little braking power, bad steering control, the AC doesn’t work anymore, and it’s leaking oil. You decide it’s time to let old ‘Thunder’ go out to pasture and find a new KITT (the car from Knight Rider). Now […] Read More

Coverage for Your Jewelry

Daniel Crichlow – May 25, 2020

And they lived happily ever after, until her diamond fell out of the ring, never to be seen again! This can be a scary situation. You spend thousands of dollars on a beautiful ring with a crystal clear diamond that you know she will adore, only to lose it like Leonardo DiCaprio kept losing Oscars. […] Read More

Does My Insurance Cover Parking Lot Accidents?

Daniel Crichlow – April 27, 2020

Hitting a parked car. Either you have experienced this or know someone who has. Whether you were the one that hit the parked car or your car was hit, it’s never fun! It also raises some questions about coverage. If you hit someone’s car, what is your responsibility? If your car is hit and there […] Read More

Pet Insurance: What is it and is it worth it?

Daniel Crichlow – March 9, 2020

Pet insurance is relatively new to the insurance world. We’ve been covering your business and personal belongings for years, but covering your pet? Come on, that’s crazy, right? Actually, it may not be as crazy as you may think. Several insurance companies have started to offer plans to cover your four-legged friend. Surprisingly, coverages can […] Read More

Business Insurance for Startups

Daniel Crichlow – January 21, 2020

So you’ve finally done it! You started your own company. You’ve dissected your markets and know what demographics to target, researched how your product or service should perform, obtained necessary capital, networked with important providers and potential partners and clients, researched your IT needs and purchased the needed equipment. You’re ready, but it seems like […] Read More

Is It Covered?

Daniel Crichlow – December 30, 2019

You just had a claim! That’s never fun, but hopefully, you purchased the right type and amount of insurance to cover the loss. One of the worst feelings, in my opinion, is waiting in the ‘unknown zone.’ You’re not sure of an answer that could help or hurt you and being forced to wait to […] Read More

How Our Lives Became Driven by Price

Daniel Crichlow – December 17, 2019

It is very interesting to me how we have seen a shift in culture over the past decades. Not all of this shift is bad though. It drives innovation, entrepreneurship, freedom in the market and helps to prevent monopolies. However, this shift has some consequences as well. It forces certain suppliers to cut on quality, […] Read More

Helping Employees Get Through the “Winter Slump”

Daniel Crichlow – October 14, 2019

We’ve all been in situations during the cold, dark winter work months where we simply want to act like a bear and either hibernate until Spring or lash out at people. But as a productive member of society, and your workplace, those oh so tempting options just aren’t practical. Whether you are an employer looking […] Read More

How to Reduce Your Liability Exposure

Daniel Crichlow – September 16, 2019

If you’re a business owner or just human, liability exposure is an issue. From having someone over for a barbeque to starting a dynamite manufacturing company, everything we do has some risk. How can we prevent that risk from ‘coming in like a wrecking ball’ and causing panic at the disco?’ Here are my top […] Read More

What Are the Signs of Heat Illness?

Daniel Crichlow – August 26, 2019

As a prior golf professional and a high school golf coach, looking out for heat-related illnesses such as heat stroke was very important. Sure, the risk wasn’t as high as sports such as football, but it was still there. Some people can suffer from heat illness just by sitting in the heat for too long. […] Read More

Why You Should Use a Realtor

Daniel Crichlow – July 30, 2019

My wife and I are beginning to look for a new home, which is so exciting. However, shopping for a home, or even trying to sell a home, can be a very stressful thing! It can feel like you’re trying to climb a mountain with no rope – scary! However, when we started this process, […] Read More

Why Relationship Status Matters

Daniel Crichlow – May 6, 2019

Even if you don’t update your relationship status on social media, you should make sure you update it with your insurance agent. This can have a large impact on your premium – especially your auto premium. Auto insurance companies give several discounts. Depending on the number of people you have on your policy and your […] Read More

What You Should Know as a First Time Home Buyer

Daniel Crichlow – April 15, 2019

My wife and I are about to begin searching for our first home. With this new season approaching, I’ve started to think about what things I need to understand to be the most prepared for this large decision, especially in this very competitive housing market. One of the things to understand is what about the […] Read More

Do You Know When You’re Going to Die?

Daniel Crichlow – April 11, 2019

If you know when you’re going to die, don’t read this blog. The tricky thing about life insurance is that you don’t know if you’ll use it, or if you do, when. Similar to property and casualty insurance such as home insurance, not knowing if you’ll need it is what makes it hard to buy. […] Read More

Daily Habits to Keep You Healthy

Daniel Crichlow – January 7, 2019

We’ve all tried, or know someone who has tried a diet, or a New Year’s resolution to help them get healthier. However, it ends up being a train wreck, and if we’re honest, sometimes pretty entertaining to watch. There is a major reason that New Year’s resolutions, diets, and other new trends don’t work – […] Read More

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Concentration & Study Tips

Daniel Crichlow – November 12, 2018

Whether you’re about to take a hard final exam, or are studying for your first insurance designation exam, knowing what to study, how to study, and how to concentrate on what you’re studying is important. Here are my top 5 tips on how to improve your study and concentration skills. 1. Increase the number of […] Read More

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So You Think You Can Hunt?

Daniel Crichlow – October 22, 2018

Autumn brings some fun things with it: apple picking, pumpkin carving, football, and sweet treats. However, for some, the best thing it brings is whitetail deer hunting. It brings the opportunity to outsmart an animal that has learned over hundreds of years, how not to be seen. It brings the satisfaction of being able to provide […] Read More

Top 5 Fireplace Safety Tips

Daniel Crichlow – October 15, 2018

We no longer build fireplaces for physical warmth, we build them for the warmth of the soul; we build them to dream by, to hope by, to home by.” Edna Ferber I don’t know about you, but when the leaves start to change color, and the weather becomes colder, I start to get excited, because […] Read More

Top 5 Insurance Coverages to Know

Daniel Crichlow – October 9, 2018

We’ve all started a new season of life and realized, “I know absolutely nothing about insurance.” For those of you who may be in a period of life with a lot of changes, such as moving out of your parent’s house, buying your first car, etc., here are the top five coverages you should understand. […] Read More

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How to Prepare Your House and Car for Cold Weather

Daniel Crichlow – September 17, 2018

We’ve all been in a situation where the elements are ripping into us, and making life miserable. All we can do is think about getting into our nice warm car to find a small haven from terrible mother nature, only to hear the most nightmarish sound imaginable… silence. Your car won’t start. Now you’re faced with […] Read More

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What Should Newlyweds Know About Insurance?

Daniel Crichlow – August 27, 2018

Coming up to my wife and I’s one year anniversary has me thinking how marriage affected our insurance as newlyweds. Was there anything I could have done to improve my insurance coverage? If you’re about to get married or have been married for years, there are still some things you should consider. Top 5 things […] Read More

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What to Do After Buying Your First Insurance Policy

Daniel Crichlow – August 13, 2018

You just bought a new insurance policy from an independent agent. Congratulations! Now what do you do? There are five things you should make sure you accomplish after you buy a new insurance policy:        1. Know who to call. When you buy a new insurance policy, the people you will call in the event […] Read More

How Much Do I Insure My House For?

How Much Should I Insure My House For?

Daniel Crichlow – July 16, 2018

Over 60% of houses in the United States are under-insured by about 20%*! That is a startling statistic when you think about it. This means that people in this category would have to pay $60,000 out of pocket to replace their $300,000 home in the event of a total loss. Now, if that uninsured statistic is true, […] Read More

Top 5 Things to Know About Small Business Insurance

Top 5 Things to Know About Small Business Insurance

Daniel Crichlow – June 11, 2018

If you’re a business owner, you’ve probably had the thought, “I know I need insurance, but where do I begin?” If so, you’re not alone. Small business insurance can be difficult to understand, and even more difficult to know what coverages you need and which you don’t. Here are my top 5 things you should […] Read More

How to Plan a Successful Spring Break Trip

Daniel Crichlow – March 12, 2018

Are you planning a Spring Break trip? Before you make all of your final plans, think about these five things: 1.  What is the culture like where I am going? If you’re traveling outside of the U.S., or to a different state, make sure you research cultural norms. In some countries, pointing with your index […] Read More

What Makes a Company Worth Representing?

Daniel Crichlow – January 29, 2018

I have often been asked why I don’t carry one company or represent another. This leads to the question: What makes a company worth representing? Would you do business with a company that intentionally cut corners? What if they had a reputation of saying no? Surely, you wouldn’t! And we wouldn’t do business with a […] Read More

Why Should I Use an Independent Agent?

Daniel Crichlow – December 4, 2017

Have you heard that independent agents are the best way to buy insurance? Is this really the best choice for you or is it just another scheme for someone to make money? After some research, I think you’ll agree independent agents are the way to go, and here’s why: Being independent means they are loyal […] Read More

How Much Should You Pay for an Insurance Deductible?

Daniel Crichlow – November 10, 2017

As you most likely know, your insurance deductible is what you have to pay in the event of a claim. Most companies offer many different deductibles–$250, $500, $1,000, etc. So, how do you know you have the right deductible? My rule of thumb with deductibles: never turn in a claim unless it is double your […] Read More

How Can I Save Money on My Insurance?

Daniel Crichlow – October 18, 2017

Can you really save premium without cutting coverages? I hear this a lot, and the simple truth is, YES! I consistently work with clients who are fed up with trying to penny pinch while still staying safe. Trying to save money while maintaining quality coverage can be tricky. You have to pick the right combination […] Read More

Three C's of Insurance

The Three C’s of Insurance

Daniel Crichlow – January 9, 2017

Insurance can be a complicated concept. But just like the diamond industry has simplified purchases to three C’s, so too can insurance be simplified. The next time you’re looking for insurance, remember the Three C’s. Read More